``Without more aid to individuals soon, U.S. bankruptcy courts will likely face a tsunami of filings, not only from average Americans but companies as well. This will clog up the system, which is why many experts are calling on Congress to shore up bankruptcy courts with more judges and funding. But a first priority should be shoring up individuals, for whom bankruptcy is seen as a last resort. If more aid isn't forthcoming, the bankruptcy system may be too overwhelmed to handle even that. ''